The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$39,933
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,175
−HK$1,262/mo
Today · 4.125%
HK$42,437
baseline
▲ 0.50% · 4.625%
HK$45,020
+HK$2,583/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,874/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,425
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,617
−HK$1,208/mo
Today · 4.125%
HK$46,825
baseline
▲ 0.50% · 4.625%
HK$49,294
+HK$2,469/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,650/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,920
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,410
−HK$1,515/mo
Today · 4.125%
HK$50,925
baseline
▲ 0.50% · 4.625%
HK$54,023
+HK$3,098/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$101,850/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,310
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,740
−HK$1,451/mo
Today · 4.125%
HK$56,191
baseline
▲ 0.50% · 4.625%
HK$59,152
+HK$2,961/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$112,382/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,906
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,645
−HK$1,767/mo
Today · 4.125%
HK$59,412
baseline
▲ 0.50% · 4.625%
HK$63,027
+HK$3,615/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$118,824/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,195
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,863
−HK$1,693/mo
Today · 4.125%
HK$65,556
baseline
▲ 0.50% · 4.625%
HK$69,011
+HK$3,455/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$131,112/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,880
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,116
−HK$2,271/mo
Today · 4.125%
HK$76,387
baseline
▲ 0.50% · 4.625%
HK$81,035
+HK$4,648/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$152,774/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,966
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,110
−HK$2,176/mo
Today · 4.125%
HK$84,286
baseline
▲ 0.50% · 4.625%
HK$88,729
+HK$4,443/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$168,572/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,723 · Scale 2, in force from 26 Feb 2026)